Personalized Home Loan Solutions From a Trusted Mortgage Broker in Salinas, CA

Over 30 Years of Navigating the Mortgage Landscape for Californians

Securing a mortgage is one of the most significant financial decisions you'll ever make. It can also be one of the most overwhelming—unless you have the right guidance from the start. At Malvini Mortgage, we don’t just help you get a loan. We help you get the right loan, with clear advice, honest expectations, and the kind of one-on-one support you won’t find in a corporate office.

I’m Steve Malvini, and I’ve spent over three decades working as a mortgage broker throughout California. From first-time homebuyers to seasoned investors, I’ve helped clients find competitive rates, navigate paperwork, and avoid the pitfalls of uninformed decision-making.

When you work with me, you’re not handed a generic loan product—you’re walked through every option available, based on your personal situation and long-term goals.

What Makes This Process Different?

The mortgage industry is full of automated platforms and one-size-fits-all lenders. But that’s not how I operate. Here’s what to expect when you work with me:

  • A hand drawing a circular diagram outlining the mortgage process: closing, underwriting, appraisal, etc.

What Makes This Process Different?

The mortgage industry is full of automated platforms and one-size-fits-all lenders. But that’s not how I operate. Here’s what to expect when you work with me:

  • A hand drawing a circular diagram outlining the mortgage process: closing, underwriting, appraisal, etc.

A Consultation-First Approach

Before we talk rates, I’ll complete a comprehensive review of your financial profile—including credit, income, assets, and employment history. This allows me to give you a realistic picture of what’s possible and which loan products will best suit your needs.

Education Over Sales

You’ll never be pushed into a product or decision you don’t fully understand. My job is to explain your options in plain language, offer strategic insight, and help you make an informed choice—not close a deal and move on.

End-to-End Support

From pre-qualification through closing, I’ll guide you through each step with direct communication, regular updates, and a clear action plan. Whether you’re buying your first home, refinancing your current one, or investing in income property, I’ll be with you through every decision and document.

Our Mortgage Programs

Here’s a look at the loan types we can explore together. Whether your needs are conventional or complex, I’ll help you find the lender and program that matches your goals—at the best available terms.

  • Person holding a model house, paperwork, keys, coins, and laptop on a desk.

Residential Loan Options

  • Purchase & Refinance Loans
  • Conventional & Jumbo Mortgages
  • FHA, VA, and USDA Loans
  • Reverse Mortgages
  • First-Time Buyer Programs
  • Person holding a model house, paperwork, keys, coins, and laptop on a desk.

Investment and Specialty Financing

  • Hard Money Loans
  • Investment Property Loans
  • Construction Loans
  • Apartment and Commercial Lending

Why Choose Malvini Mortgage?

You’ll find plenty of brokers offering fast quotes or low teaser rates. But here’s what sets my approach apart:

  • Over 30 Years of Industry Experience
  • Clear, Transparent Communication
  • Superior Negotiation Skills
  • Personalized Loan Strategy
  • Competitive Rates and Terms
  • Results-Driven Advocacy
  • Integrity in Every Transaction

I don’t just want to help you close—I want to help you win.

Hear What Clients Are Saying

“I’ve worked with Steve many times for mortgage loans and other financial matters. He explains every step, every option—and makes sure I fully understand before moving forward. I’ll always choose Steve first when making financial decisions.”

— Kathy H., Salinas, CA

“I’ve trusted Steve and his team for both tax and mortgage services. They’re thorough, reliable, and always have my best interest in mind. Highly recommended!”

— Carla M., Santa Cruz, CA

Let’s Find the Right Mortgage for You

Whether you’re buying your forever home, exploring investment properties, or simply wondering if you could get a better deal on your current mortgage, I’d love to help you take that next step with confidence.

Call or text me directly at (831) 206-4919, and let’s have a real conversation—no pressure, just practical advice.

Credentials You Can Trust

CA|DRE License: 01198227

NMLS ID: 242411 / 354557

Your Financial Future Deserves Better Than a One-Click Loan

Let’s talk about what you need—and build a mortgage plan that fits.

Call (831) 206-4919 today.